Irma Isabel is a friendly and hard-working woman. She is 40 years old, married, and has 5 children. She is the coordinator of the solidarity group. With the goal of having her own source of income, she established a little convenience store seven years ago and sells nacatamales and fast food from Thursday to Sunday. She is applying for financing to buy supplies to make sandwiches, hamburgers, hot dogs, and fried foods, among other products. Her dream is to have a distributorship.
Irma Isabel: Es una mujer amable y luchadora, tiene 40 años de edad, casada, tiene 5 hijos. Es la coordinadora del grupo solidario. Con el propósito de tener su propia fuente ingreso, desde hace 7 años estableció una pequeña pulpería y vende nacatamales y comidas rápidas de jueves a domingo. Solicita financiamiento para comprar insumos para elaborar sándwich, hamburguesas, hot dog, fritos, entre otros productos. Su sueño es tener una distribuidora.
About Pana PanaPana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.
Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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